Receivables Performance Management, LLC

2018-02-06

MA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: Original creditor XXXX 's debt was sold to XXXX XXXX. I called XXXX to ask for itemized balance showing how they came to the total. XXXX told me that they cant send me anything but XXXX would have that information. I called XXXX and was told that XXXX has all of the information regarding the balance, but that I was charged multiple monthly payments after his XXXX account was cancelled. Both creditors refused to send me any sort of debt validation and would not share any more information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-02-06

Point Arena Air Force Statio, CA

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: We reached out to RPM LLC, Receivables Performance Management LLC, to pay a debt owed from a XXXX XXXX. We were given an offer for the debt and we paid it, the orignal debt was for roughly XXXX and we paid XXXX in the settlement offer. The very next day we saw on our credit that they put on there we owed the remaining balance of XXXX dollars. When we contacted them they said our manger has to approve and it will get updated, but there system updates every Saturday. The next 3 days they put the same amount on our credit, so its now on there 4 times, so obviously there system updates when they want it to. We try calling them and they either hang up on us, or put us on hold. This is not fair or legal practices and they should not be in business!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-02-02

Tonawanda, NY

Took or threatened to take negative or legal action

Debt collection: Other debt

Threatened or suggested your credit would be damaged
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-02-01

FL

Took or threatened to take negative or legal action

Debt collection: I do not know

Threatened or suggested your credit would be damaged
Complaint: To Whom It May Concern. RE : RECEIVABLES PERFORM MGT/XXXX Agency name RECEIVABLES PERFORM MGT/XXXX Agency number XXXX Original creditor XXXX Good Afternoon, I am in the process of purchasing my first home, and my closing was canceled due to this collection showing on my credit report. I don't have a clue who this company is and they claim to represent XXXX XXXX and XXXX XXXX. I currently don't have, nor have I have incurred any debt with this company. The representative was extremely rude and hostile. They advised me to ay my bill and that even if wrong info on file, I must pay for them to remove. I reiterate i don't have an account with the referenced creditors ( They seemed lost and no accurate information was verified other than my name and not my middle name ). Please help me remove this erroneous information, which is a violation of my rights and the fair credit reporting act. Kind Regards, XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-02-01

Discovery Bay, CA

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: XX/XX/ 2017 from receivables performance. amount {$640.00} Original creditor name is XXXX XXXX XXXX XXXX. I contacted to the collet company already. They didnt see any debts on my name or my credit history. I dont even know that either. Id like to know how it shows on the credit score checking website.
Company Response: Closed with explanation

Timely Response

2018-02-01

Longs, SC

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-01-30

Charlotte, NC

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-01-29

Bedford, TX

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: I settled the debt with the company and was advised that the debt would reported as paid in full and be reported to the company as paid and they did not report what was promised. I am showing a balance and have contacted the company on several occasions to get this taken care of
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-01-25

Phoenix, AZ

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: I Received notice that I got a collection from RPM for a XXXX XXXX account I had that I paid in full when I closed. I had a balance of {$290.00} for my last month of usage and for unreturned equipment. When I received the bill I paid in full and got a confirmation number # XXXX for the amount {$290.00}. then last week I saw a collection for the same amount from RPM. I immediately called RPM and informed them that I had already taken care of the balance, looked through my bank statement and they said that if I provided the confirmation number of when I paid it they would remove the collection. I called and spoke to XXXX and he declined said that XXXX XXXX had to remove the collection, I called XXXX XXXX and made sure that I had no balance with them verified the confirmation number and RPM still declined in removing the collection. I explained to them that this was an account that should of never been in collections and they said they are unable to do anything. I have no negative information on my credit report and this is the first negative account that appeared due to an error. Account # XXXX, payment Confirmation # XXXX {$290.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-01-24

Interchange Square, FL

Attempts to collect debt not owed

Debt collection: I do not know

Debt was result of identity theft
Complaint: TODAYS DATE : XX/XX/XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT RECEIVABLES PERFORMANCE Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious RECEIVABLES PERFORMANCE I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-01-23

Jacksonville, FL

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-01-23

Charlotte, NC

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: XX/XX/XXXX account was illegally opened as XX/XX/XXXX account and should of been a prepaid account I never received a letter from the collection agency. XX/XX/XXXX I was informed by a XXXX associate that I pay balance in full it will be removed from my credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-01-22

Sealevel, NC

False statements or representation

Debt collection: I do not know

Attempted to collect wrong amount
Complaint: As of XXXX, 2017 Receivables Performance has been reporting a collection on my credit report for an undisclosed amount. I do not know the origin of the account or why it exists. The amount listed on my report is left blank. I have attempted to contact said agency to no avail. Again, They are reporting a collection. I do not know it's origin. And, the amount on the report(s) is [or XXXX dollars].
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-01-21

Walden, CO

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-01-20

Baltimore, MD

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: On XXXX XXXX, 2017, I sent a letter to Receivables Performance Management ( RPM ) collection agency, requesting they ( RPM ) VALIDATE, not VERIFY a debt that they ( RPM ) is trying to collect from me. I specifically stated " Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. '' I requested RPM to send me, in addition to a signed a signed agreement, the following : Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful. RPM sent me a billing statement which does not, BY LAW, meet the requirements to validate a debt. RPM has reported delinquent information to the credit bureaus. I am requesting the delinquent information to be deleted from my credit reports immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-01-19

Taft, OH

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: I recently received a copy of my credit report. On my report it show a collection account for receivable performance for {$82.00}. I never received anything stating this was being placed on my file or that I ever owed this debt! Because I did not recognize this account as being mine I sent a certified letter asking for VALIDATION of this debt to the collection agency on XX/XX/XXXXwhich was received by a representative of the company on XX/XX/XXXX. I requested that this debt be Validated within 30 days of receipt of my letter.. and if they were unable to send Validation Per the FCRA guidelines the alleged debt should be removed from my credit file. I have the right to have a alleged debt validated. As of today i have not received any communication from the collection agency. Per FCRA if they can not validate this alleged debt I must be removed as a account on my credit file because it doesnt belong to me! I am now asking that the information be removed from my file as the debt has failed to be validated. I am trying to obtain financing and this black mark has been detrimental to my ability to obtain credit.
Company Response: Closed with explanation

Timely Response

2018-01-19

Lebanon, MO

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-01-18

Wesley Chapel, FL

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Complaint: Company uses auto dialer that calls every five minutes for days on end. No one on the line. Forces you to call the number to get a person. They were calling my business number, and costing business and time expense with no one on the other end when picked up. This went on for 5 days. When I called the number and finally got a person, they were looking for someone we have never heard of. When I stated they need to inform management about this horrible practice of calling with no one on the line I got no reply. When I stated I would report to FTC I was told " Good Luck '' by the collector. This practice needs to stop. Receivables Performance Management XXXX XXXX XXXX XXXX. XXXX, WA XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-01-17

Sm, KS

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-01-17

Orono, ME

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-01-16

Beach, TX

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account status incorrect
Company Response: Closed with explanation

Timely Response

2018-01-11

Oxford, GA

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Complaint: Calls 3 times a day, repeatedly twice and then once about 4 hours later. I already have the number blocked even though the first time I answered I told them I do n't have any outstanding debts to anyone ( only to my credit card, but then that would be them calling em instead of some scammer based out of Washington. )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-01-11

CO

Communication tactics

Debt collection: Other debt

Frequent or repeated calls
Complaint: I bought a phone contract with XXXX online, where I was told My service would include " international calling '' specifically, calls to the XXXX where my wife resides. I ask the agent specifically about this. I went to the local XXXX store and activated the phone I had received. A few days later my service was discontinued. I contacted the local store and they said I had to return the phone, because my credit was not good enough for the contract they had sold me online. I returned the phone and was refunded my payment. Then they sent me a bill two months later saying I owed them {$430.00} for the few days I had used the phone and for long distance calls. I contacted XXXX and explained how their agent expressly told me calls to the XXXX were " covered '' under my plan. However, after review they said my " international '' coverage was only for XXXX and XXXX. After my refusal to pay this ridicules amount they have turned the " debt '' over to a collection agency and even lied saying I had already made a payment, which I had ( my original payment online ) but that amount was refunded to me. They are the ones who terminated our contract without notice and I will not pay them because of their breach and lies about coverage.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-01-10

Tucson, AZ

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: I have called this company several times to let them know that i have dealt with this account directly with XXXX. XXXX has advised me multiple times to deal with them directly to resolve this matter. Now it is reporting on my credit report and i dont owe XXXX XXXX anything
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-01-10

Oxford, GA

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: On or about XX/XX/XXXX, I made the decision to port my three mobile telephone line from XXXX to XXXX wireless. I informed XXXX that day because I had a previous balance that was due. The XXXX representative informed me that the previous balance and the current balance would be adjusted once the old devices were returned to XXXX. I was also instructed that it would take approximately two weeks to get the package and posting documents to send the devices back. On XX/XX/XXXX I received an email stating that my account as going to be turned over to collections for none payment. I contacted XXXX and they told me to disregard the email because the devices were in route back to the company and the adjustments would need to be made to the balance. I was then informed that no later than XX/XX/XXXX I should receive my final bill with all my adjustments. I waited for the updated bill and logged into my account but the balance still read {$770.00}. On XX/XX/XXXX I received a phone call from a collection agency named Receivable Performance Management in regards to my XXXX account. The customer service rep I spoke with was very aggressive and when I tried to explain that XXXX has not forwarded me my finalized statement she then began to over talk me and yell a break down of charges on my account. I attempted on three different times to explain to her that credits needed to added to my account and them I would pay XXXX my remaining balance due. She told me that XXXX would not take payment and that they would forward me back to her. I then hung up. I contacted XXXX that same day at approximately XXXX and spoke with XXXX . He reviewed my bill and looked over the charges. He even broke down the charges for the remaining balance. He even observed that I was charged for a service that I did not have on my phone. He called the adjustments department and had them remove it which he stated could take up to two days. When I asked about my tablet he informed that services were not suspended when I asked but were done at a later date. He informed me that those charges will need to be added to the final balance but that final bill will not come due to XX/XX/XXXX. He then stated that I should be able to login to my account and see the final bill by XX/XX/XXXX. When I asked him about payment he informed me that XXXX will still accept payment on the account and that the account is still with them. He also stated that once the payment is made they will notify the collection agency, but they still legally own the account. He informed me that no action can take place until the tablet charges are added to the final bill.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response